Follow the dollars · Assumption only
A complete cash picture for Dec 26, 2026
Your down payment$230,514Cash toward the purchase price.
Closing costs + prepaids$11,929Not just lender fees.
Before credits & paid funds$242,444The complete starting cash picture.
Estimated remaining funds due at closing
$242,444No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$230,514.07
Your down payment$230,514.07
Closing costs + prepaids$11,929.44
Total buyer cash needed$242,443.51
Remaining funds due$242,443.51
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,740.00
Title & settlement$1,825.00
Recording fee$100.00
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$568.75
Prepaid interest, first (6 days)$145.69
Fees + prepaids$11,929.44
Your down payment is the seller’s equity. You take over the $243,486 balance, so the rest of the $474,000 price is paid at closing. A second mortgage can cover part of it. $242,443.51 is due at closing. Uses and sources reconcile at $485,929.44 each. Not a Closing Disclosure.